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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1265 reviews)

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Santander 123 Current Account (discontinued) reviews (1265)

Review of the Santander, 123 Current Account (discontinued):

No interest last month

Bit annoyed as I didn't get any interest last month as 2 of my direct debits cancelled themslves, leaving me with only one on the account, so lost out. Reviewed on: 18th February 2016

Student bank who saves us students

123 current account allows us students to go into overdraft without having to pay back any interest. It’s nice to know banks have our backs. Plus it comes with a 4 year rail card which is a life saver. Reviewed on: 3rd April 2023

DISAPPOINTED

I used to love being a Santander customer but this bank no longer has any use to me. I can’t get to a bank during banking hours so I pay my cash in the atm. Apparently there’s a limit to the amount of cash that can be paid in & I’ve reached that limit. How ridiculous to only allow a certain amount each year. Reviewed on: 3rd April 2023

Fantastic bank

This is a fantastic bank which comes with mah benefits and is extremely student friendly, offering a free 4 year rail card and an overdraft which is a great help for students. Reviewed on: 3rd April 2023

Easy to use

Efficient and easy to use app. Easy to set up direct debits via the app Reviewed on: 3rd April 2023

Good customer service

Great bank, with great service. I can spend knowing my money is protected Reviewed on: 3rd April 2023

Fabulous Bank

I have held a 123 Current Account with this bank for over 7 years. I use the mobile banking app to track all of my transactions and I have not once in 7 years had any issues accessing my banking information. If you are looking for a really reliable, clear, trustworthy bank then swap to Santander! Reviewed on: 31st March 2023

Really good bank

Very good bank always helpful and friendly never had a problem with mine would highly recommended it Reviewed on: 31st March 2023

Fair

It's an alright bank Just a little difficult in giving credit Reviewed on: 30th March 2023

Helpful staff

Santander automatically emailed me saying that they were closing my back account which was horrible. I called back to check what the reason for the close was and how it can be resolved so I can keep using Santander as my bank. Alex was very helpful in assisting me in uploading the relevant documents all the way through and removed the block that Santander put on my account. Now I can use my account as I normally would. Thank you, Alex Marius! Reviewed on: 29th March 2023

easy to use account

easy to use, good mobile app and reasonable interest rate Reviewed on: 29th March 2023

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